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Frequent Contributor
Posts: 345
Registered: ‎02-14-2013
0

Walmart app

Hey everyone, how much time do you need in between apps with Walmart?  30 days?  45?  Thank You!

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Community Leader
Valued Contributor
Posts: 11,413
Registered: ‎12-13-2013
0

Re: Walmart app

I believe its 30 days

EX Cred Ses 01/15: 765 ; EX Fico 04 V2 06/14: 775; EX Fico 08 BC 01/15: 839
EQ Beacon 5.0 12/14 757
TU Fico 8 01/15: 805
Frequent Contributor
Posts: 345
Registered: ‎02-14-2013
0

Re: Walmart app

ok, thank you!

 

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Regular Contributor
Posts: 224
Registered: ‎03-12-2013
0

Re: Walmart app

wait... wait wait

 

you are RE-Applying?

 

what was reason for denial in the first place? did you Recon?

Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000 AMEX Everyday - $4,000 Sallie Mae - $2,500
New!! Citi Double Cash - 1K
Frequent Contributor
Posts: 345
Registered: ‎02-14-2013
0

Re: Walmart app

It would to be to reapply.  They denied me back on 2/14 due to utl on revolv to high.  My util was like 95%.  Its now down at 45% so I was going to try again to see if that did the trick.  

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Epic Contributor
Posts: 22,723
Registered: ‎10-23-2007
0

Re: Walmart app


Deltadog03 wrote:

It would to be to reapply.  They denied me back on 2/14 due to utl on revolv to high.  My util was like 95%.  Its now down at 45% so I was going to try again to see if that did the trick.  


not if that TU score of 574 is current!

I would NOT apply for any GE backed card including walmart until you are at a 610 TU or better. Have people gotten approved lower, yes... but you already were denied so make sure next time you get approved when you apply and the best chance of that happening are to be much better not just a drop in util.

Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Frequent Contributor
Posts: 345
Registered: ‎02-14-2013
0

Re: Walmart app

Good call, yes its 579 right now, so I will more than likely just wait.  The score will go up once barclays refreshes on my report.  TY!

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Established Contributor
Posts: 569
Registered: ‎01-31-2009
0

Re: Walmart app

You need at least a 630+ on TU.

May 2013 Starting Scores: 540's-570's [no credit cards, no inq's, 1 Student Loan 90 day late, CA's and CO's...most PFD'd!]
December 2014 Scores: 654-705 ...Oldest accounts just aged off! :/
Current Cards: SDFCU Secured ($300); Logix Secured ($500); Tobyhanna FCU ($5000); Sony Visa ($3000); Apple PC'd to Rewards MC ($1200); Barclay Rewards MC ($1300); B&N ($500); Discover ($1000); 'Credit Steps' ($2300), QS One ($750);Care Credit ($9000); US Bank Platinum ($5000); Fifth Third SU2C ($3000); Kay's/Jared's ($4700); Fingerhut ($1550); **All my favorite retail cards ($34,350)..Luv'Em..they get heavy use!

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